Santa Cruz County property record for 586 Charlson Rd, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,806 sqft · built 1931 |
| Lot Size | 5.35 acres (233,394 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,490,000 (Nov 2020) |
| Tax Bill | $19,543 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Oct 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-141-25 |
| Primary APN | 105-141-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,806 sqft Living Area |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 233,394 sqft |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Deck Area | 293 sqft |
| Patio Area | 293 sqft |
| Total Buildings | 2 Buildings |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Street Address | 586 CHARLSON RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-9746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WILLIAM ODENKIRCHEN |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 105-141-25
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Jan 05, 2024 | Deed of Trust, Mortgage · Line of Credit STAR ONE CU |
| Oct 13, 2021 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Nov 17, 2020 | Grant Deed, Transfer · Commercial Mortgage HERZER FINANCIAL SERVICES INC |
| Jun 19, 2019 | Quit Claim Deed, Transfer RABOBANK |
| Mar 29, 2017 | Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on Record |
| Deed Sale | Nov 17, 2020 · Amount on Record |
| Prior Sale | Mar 29, 2017 · Amount on Record |
| Deed Document Number | 202048659 |
| Prior Transfer Date | Jun 10, 2019 |
| Prior Transfer Doc | 0000016810 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2024 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000000274 |
|---|---|
| Date | Jan 05, 2024 |
| Instrument | 2024-0000274 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Feb 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 586 CHARISON RD, APTOS, CA 95003-9746 |
| Document Number | 0000051704 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021-0051704 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000037835 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 2021-0037835 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 17, 2020 |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000048659 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 2020-0048659 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000048660 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 2020-0048660 |
| Name | HERZER FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 19, 2019 |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000016810 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 16810 |
| Transaction Type | Transfer |
| Record Updated | Jul 09, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4305 SCOTTS VALLEY DR SCOTTS VALLEY CA 950664514, SCOTTS VALLEY, CA 95066-4514 |
| Document Number | 16811 |
|---|---|
| Date | Jun 19, 2019 |
| Instrument | 16811 |
| Name | RABOBANK |
|---|---|
| Type | Bank |
| Address | ARROYO GRANDE, CA 93421-6002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 18, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 29, 2017 |
| Property Address | 586 CHARLSON RD, APTOS, CA 95003-9746 |
| Document Number | 0000010580 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 2017-0010580 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4305 SCOTTS VALLEY DR, SCOTTS VALLEY, CA 95066-4514 |
| Document Number | 0000010581 |
|---|---|
| Date | Mar 29, 2017 |
| Instrument | 2017-0010581 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,688,153 (+2%) Land $1,203,448 Building $484,705 | ||
| 2025 | $19,543.00 (+11.89%) Homeowner's exemption | $1,655,052 (+6.76%) Land $1,179,851 Building $475,201 | |
| 2023 | $17,467.00 (+36.86%) Homeowner's exemption | $1,550,196 Land $1,134,036 Building $416,160 | $1,480,590 |
| 2022 | $12,763.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 62% of the US · above 37% of California |
|---|---|
| Wildfire Likelihood | About 1 in 495 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property
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|---|---|---|
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